The present invention provides a portable processing device comprising a journey type determining module, a journey length determining module and a communication module. The journey type determining module is operable to determine whether a journey undertaken by a person carrying the portable processing device is an environmentally-friendly journey comprising a journey undertaken in an environmentally-friendly vehicle, a journey undertaken using self-propelled means or a journey undertaken on foot. The journey length determining module is operable to determine a length of a said environmentally-friendly journey undertaken by the person carrying the portable processing device. The communication module is operable to transmit journey data to record management apparatus defining the length of the environmentally-friendly journey undertaken by the person carrying the portable processing device.

A statement credit reward system receives a request to redeem reward points from an account holder in exchange for a virtual gift card, where the account holder's request may be in response to an offer from a merchant for the card. The statement credit reward system receives transaction information corresponding to one or more transactions conducted by the account holder with one or more merchants. The transaction information may contain a qualifying transaction conducted by the account holder with a merchant. The statement credit reward system will attempt to match a statement credit trigger with the qualifying transaction. If a match is not found, the statement credit reward system adds the predetermined number of reward points back into the account holder's balance of reward points. If a match is found, the statement credit reward system credits the monetary amount of the statement credit trigger to the account holder's balance.

In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.

A system is configured to determine a conversion rate associated with a loyalty program offered by a merchant. The conversion rate may specify a monetary value allotted to a loyalty point in the loyalty program. The conversion rate, associated with the loyalty program, may change over time. The conversion rate may be determined without user input specifying the conversion rate. The system is configured to receive an instruction to lock the conversion rate for a period of time; lock the conversion rate as a locked conversion rate for the period of time based on the instruction; and permit the locked conversion rate to be used to apply a discount to a purchase during the period of time. The locked conversion rate at a time of the purchase may be different from the conversion rate offered by the loyalty program at the time of the purchase.

The disclosure facilitates loyalty earnings by generating purchase recommendations. Loyalty data is collected from a loyalty program data store. The loyalty data is associated with a loyalty profile of a user. Account data is collected from an account data store. The account data is associated with an account of the user that is linked to the loyalty profile of the user. Transaction data is collected from a transaction data store. The transaction data is associated with the account of the user. User recommendations are generated for prioritizing loyalty earnings on the loyalty profile based on the loyalty data, account data, and transaction data. After the recommendations are generated, the recommendations are caused to be displayed on a user interface associated with a computing device of the user. Combining the three types of collected data to generate the recommendations results in accurate recommendations that are tailored to the user to increase loyalty earnings.

A computer system detects a request to process a transaction corresponding to a first user and a first merchant, wherein the first user is associated with a first user account of a plurality of user accounts associated with a transaction platform. In response to detecting the request to process the transaction, the computer system identifies that a second user account of the plurality of user accounts includes a first amount of rewards corresponding to the first merchant. The computer system determines an optimal transaction path for obtaining, from the second user account, at least a portion of the first amount of rewards. In response to determining the optimal transaction path, the computer system utilizes the optimal transaction path to obtain the at least the portion of the first amount of rewards, and processes the transaction by utilizing the at least the portion of the first amount of rewards.

Methods and systems that record the location of a user and transmit targeted content to a user based upon their current and past location information. A network is configured to include a server programmed with a database of targeted content, a database of location information, a database of user information, a database searching algorithm, and a wireless communication system capable of communicating with the user's mobile device. The location of the mobile device is ascertained and recorded. The location information is analyzed to determine the routes taken by the user, businesses visited by the user, and other behaviors of the user. Targeted content is sent to the mobile device of the user or exposure to physical content is tracked. Whether the user visits the physical locations associated with the content is monitored. Detailed conversion tracking is provided to producers of targeted content and business owners.

A product registration device includes display means, selection means, setting means, and output means. The display means displays a list of purchasing products registered as purchasing targets. The selection means selects a product to be exchanged with the points possessed by a purchaser from the purchasing products on the list. The setting means sets information indicating that the product is a target for exchanging with the points for the product. The output means outputs the product for which the information is set to be distinguished from other purchasing products.

A system and method for implementation of product searches via a search engine over a networked computer system such as the Internet. In particular, a user may execute a search for product offers that are accompanied with reward components (e.g. reward points, rebates, coupons, etc.) and/or those that allow payment in whole or in part with payment components (e.g. reward points, rebates, coupons, etc.).

A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.